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Category Archives: Restoration Professionals

ILG Restoration

Florida contractors working under AOB under pressure from citizens and courts

By Insurance Litigation Group, P.A. |

There is no doubt that Florida’s restoration industry and their right to work under assignment of benefits (AOB) is under attack by the insurance industry.  A Florida News Service article discussed Citizens Insurance President Barry Gillway is delaying rate increases until after his planned roundtable discussions on “finding solutions to assignment of benefits.” Gillway… Read More »


Don’t let fear of ‘AOB abuse’ keep you from getting your home repaired

By Insurance Litigation Group, P.A. |

Florida’s insurance commissioner is telling people to use caution when signing agreements with companies repairing storm damage. Is he right? Well, he’s not giving homeowners the full story. You should always review a contract. But assigning your insurance benefits to a third party is not the evil that the commissioner says it is. Don’t… Read More »

american flag

July 4th is a comin’ and so are the flags

By Insurance Litigation Group, P.A. |

July 4th brings out the patriotism in people but some condo and homeowners associations don’t necessarily share the same feelings, so what are your rights, as a owner, in the event anyone tries to stop you from flying Old Glory?    It depends. If you want to display an oversized tattered U.S. flag in a non… Read More »

Tree trimmer cutting down an Ash tree infested with the Emerald ash borer

Tree trimming seen as key as hurricane season nears

By Insurance Litigation Group, P.A. |

The 2018 hurricane season is approaching. As the state prepares, Florida Politics shares that utility regulators might look at who dictates tree trimming. According to officials from Florida Power & Light, Duke Energy Florida, Tampa Electric, Gulf Power and the Florida Municipal Electric Association, “fallen trees and uncollected debris stacked along roads were among… Read More »


Does Your Homeowner’s Insurance Policy Cover Damage to Your Foundation?

By Insurance Litigation Group, P.A. |

  No building can stand without a structurally sound foundation. But unfortunately, when foundational issues arise, they are often difficult to diagnose and expense to repair. Such challenges underscore why homeowners need insurance and also why they need to understand what damage their insurance policy actually covers. An experienced attorney can help when disputes… Read More »


What Types of Commercial Insurance Coverage Do Business Owners Need?

By Insurance Litigation Group, P.A. |

Florida law requires business owners to purchase certain types of insurance, but there are other coverage options as well. (Also keep in mind that the city or county in which your business is located might also have commercial insurance requirements.) The following includes several examples of commercial coverage options: Property Insurance There are different… Read More »


Does Your Insurance Policy Cover Fire and Smoke Damage?

By Insurance Litigation Group, P.A. |

An accidental wildfire ignited by a Bryceville resident’s illegal burning activity destroyed and damaged multiple homes and burned hundreds of acres of surrounding woodlands. Other property, such as motor vehicles, were also damaged or destroyed. Thankfully no one was killed. The recent wildfire began when the Bryceville resident illegally burned paperback books and other… Read More »


Florida Lawmaker Wants to Expand Private Flood Insurance Market

By Insurance Litigation Group, P.A. |

Florida residents understand that their homes are vulnerable to hurricane damage. According to the Insurance Information Institute, seven of the 10 most expensive hurricanes in U.S. history have impacted Florida. In fact, six of these storms struck in 2004 and 2005 (hurricanes Katrina, Wilma, Charley, Ivan, Rita and Frances). But the costliest hurricane for… Read More »


Understanding the Homeowner’s Bill of Rights in the Insurance Claims Process

By Insurance Litigation Group, P.A. |

Home ownership can be difficult, especially when something goes wrong and your property is damaged. That’s why Florida law guarantees homeowners certain rights with respect to the insurance claims process. In fact, state law specifically requires insurance companies to provide residential policyholders with a Homeowner Claims Bill of Rights within 14 days after the… Read More »


Reforming the Assignment of Benefits System

By Insurance Litigation Group, P.A. |

Florida lawmakers are debating what to do about rising insurance premiums. The insurance companies (insurers) are arguing that contractors that take an “assignment of benefits” are filing inflated claims, forcing insurers to raise premiums. This tactic of blaming honest restoration professionals for alleged poor claims practices is forcing the legislature to consider the “assignment… Read More »

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